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Corridor State Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0439% | 857 |
| Cost of funding earning assets | 2.4397% | 177 |
| Net interest margin | 3.6042% | 4,850 |
| Noninterest income to average assets | -0.1477% | 7,565 |
| Noninterest expense to average assets | 3.0716% | 3,468 |
| Loan and lease loss provision to assets | 2.7154% | 361 |
| Net operating income to assets | -2.5718% | 7,366 |
| Return on assets (ROA) | -2.5718% | 7,384 |
| Pretax return on assets | -2.5718% | 7,341 |
| Return on Equity (ROE) | -32.6957% | 7,424 |
| Retained earnings to average equity (ytd only) | -32.6957% | 7,419 |
| Net charge-offs to loans | 2.4811% | 685 |
| Credit loss provision to net charge-offs | 135.2823% | 2,973 |
| Earnings coverage of net charge-offs (x) | 0.0716% | 5,958 |
| Efficiency ratio | 95.5318% | 925 |
| Assets per employee ($millions) | 4.4919% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4843% | 1,352 |
| Loan loss allowance to noncurrent loans | 309.7625% | 949 |
| Noncurrent assets plus other real estate owned to assets | 3.1116% | 2,322 |
| Noncurrent loans to loans | 0.8020% | 5,614 |
| Net loans and leases to total assets | 78.9143% | 896 |
| Net loans and leases to deposits | 90.3002% | 1,685 |
| Net loans and leases to core deposits | 122.5324% | 542 |
| Total domestic deposits to total assets | 87.3910% | 2,323 |
| Equity capital to assets | 7.6479% | 7,032 |
| Core capital (leverage) ratio | 7.1652% | 7,076 |
| Tier 1 risk-based capital ratio | 9.5384% | 7,246 |
| Total risk-based capital ratio | 10.8043% | 7,236 |
| Memoranda: | ||
| Average total assets | $65,893,250 | 6,072 |
| Average earning assets | $61,481,750 | 6,007 |
| Average equity | $5,183,000 | 6,682 |
| Average total loans | $53,308,250 | 5,417 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 1,103 |
| Cost of funding earning assets | 2.4968% | 175 |
| Net interest margin | 3.4343% | 5,496 |
| Noninterest income to average assets | -0.1842% | 7,676 |
| Noninterest expense to average assets | 2.8600% | 4,231 |
| Loan and lease loss provision to assets | 1.4972% | 887 |
| Net operating income to assets | -1.3276% | 7,086 |
| Return on assets (ROA) | -1.3276% | 7,098 |
| Pretax return on assets | -1.3276% | 7,020 |
| Return on Equity (ROE) | -16.7466% | 7,195 |
| Retained earnings to average equity (ytd only) | -16.7466% | 7,160 |
| Net charge-offs to loans | 0.3687% | 3,512 |
| Credit loss provision to net charge-offs | 501.9608% | 732 |
| Earnings coverage of net charge-offs (x) | 0.5686% | 5,166 |
| Efficiency ratio | 94.4015% | 1,047 |
| Assets per employee ($millions) | 5.0811% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3371% | 1,529 |
| Loan loss allowance to noncurrent loans | 98.4653% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 3.9453% | 1,756 |
| Noncurrent loans to loans | 2.3736% | 3,289 |
| Net loans and leases to total assets | 77.1172% | 1,272 |
| Net loans and leases to deposits | 88.2748% | 2,128 |
| Net loans and leases to core deposits | 114.3207% | 904 |
| Total domestic deposits to total assets | 87.3603% | 2,348 |
| Equity capital to assets | 7.9829% | 6,768 |
| Core capital (leverage) ratio | 7.4952% | 6,828 |
| Tier 1 risk-based capital ratio | 10.2335% | 6,891 |
| Total risk-based capital ratio | 11.4969% | 6,861 |
| Memoranda: | ||
| Average total assets | $68,392,670 | 6,018 |
| Average earning assets | $64,000,670 | 5,959 |
| Average equity | $5,422,000 | 6,644 |
| Average total loans | $55,325,670 | 5,368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6612% | 1,916 |
| Cost of funding earning assets | 2.5488% | 196 |
| Net interest margin | 3.1124% | 6,558 |
| Noninterest income to average assets | 0.0748% | 7,330 |
| Noninterest expense to average assets | 2.9039% | 4,045 |
| Loan and lease loss provision to assets | 2.6854% | 383 |
| Net operating income to assets | -2.5934% | 7,574 |
| Return on assets (ROA) | -2.5934% | 7,575 |
| Pretax return on assets | -2.5934% | 7,530 |
| Return on Equity (ROE) | -32.8209% | 7,603 |
| Retained earnings to average equity (ytd only) | -32.8209% | 7,582 |
| Net charge-offs to loans | 0.7521% | 2,005 |
| Credit loss provision to net charge-offs | 436.4486% | 954 |
| Earnings coverage of net charge-offs (x) | 0.1495% | 4,901 |
| Efficiency ratio | 96.9290% | 976 |
| Assets per employee ($millions) | 5.1404% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 2,017 |
| Loan loss allowance to noncurrent loans | 109.5595% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.8180% | 2,578 |
| Noncurrent loans to loans | 1.8894% | 3,940 |
| Net loans and leases to total assets | 76.8485% | 1,359 |
| Net loans and leases to deposits | 87.3433% | 2,346 |
| Net loans and leases to core deposits | 106.7398% | 1,513 |
| Total domestic deposits to total assets | 87.9844% | 2,071 |
| Equity capital to assets | 7.3216% | 7,203 |
| Core capital (leverage) ratio | 7.4304% | 6,912 |
| Tier 1 risk-based capital ratio | 9.2730% | 7,403 |
| Total risk-based capital ratio | 10.5331% | 7,396 |
| Memoranda: | ||
| Average total assets | $69,562,000 | 6,058 |
| Average earning assets | $65,286,500 | 5,986 |
| Average equity | $5,496,500 | 6,676 |
| Average total loans | $56,909,500 | 5,389 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0219% | 1,781 |
| Cost of funding earning assets | 2.8573% | 365 |
| Net interest margin | 3.1646% | 6,192 |
| Noninterest income to average assets | 0.0269% | 7,601 |
| Noninterest expense to average assets | 2.8472% | 4,759 |
| Loan and lease loss provision to assets | 0.5514% | 3,614 |
| Net operating income to assets | -0.3934% | 6,071 |
| Return on assets (ROA) | -0.3934% | 6,061 |
| Pretax return on assets | -0.3934% | 5,910 |
| Return on Equity (ROE) | -4.2386% | 6,136 |
| Retained earnings to average equity (ytd only) | -4.2386% | 5,908 |
| Net charge-offs to loans | 0.2818% | 4,870 |
| Credit loss provision to net charge-offs | 226.6234% | 1,646 |
| Earnings coverage of net charge-offs (x) | 0.6494% | 5,443 |
| Efficiency ratio | 94.7424% | 1,365 |
| Assets per employee ($millions) | 4.7971% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 4,171 |
| Loan loss allowance to noncurrent loans | 211.2272% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 1.7719% | 3,720 |
| Noncurrent loans to loans | 0.6679% | 5,903 |
| Net loans and leases to total assets | 84.1838% | 409 |
| Net loans and leases to deposits | 98.3457% | 1,064 |
| Net loans and leases to core deposits | 123.4513% | 1,680 |
| Total domestic deposits to total assets | 85.5998% | 3,226 |
| Equity capital to assets | 8.5231% | 5,844 |
| Core capital (leverage) ratio | 8.4463% | 5,362 |
| Tier 1 risk-based capital ratio | 9.9704% | 6,897 |
| Total risk-based capital ratio | 11.2228% | 6,876 |
| Memoranda: | ||
| Average total assets | $63,289,200 | 6,225 |
| Average earning assets | $59,566,000 | 6,143 |
| Average equity | $5,874,600 | 6,644 |
| Average total loans | $54,656,200 | 5,476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9603% | 2,194 |
| Cost of funding earning assets | 2.9119% | 439 |
| Net interest margin | 3.0485% | 6,466 |
| Noninterest income to average assets | 0.0321% | 7,723 |
| Noninterest expense to average assets | 2.8133% | 4,835 |
| Loan and lease loss provision to assets | 0.3722% | 4,096 |
| Net operating income to assets | -0.2888% | 6,183 |
| Return on assets (ROA) | -0.2888% | 6,196 |
| Pretax return on assets | -0.2888% | 6,088 |
| Return on Equity (ROE) | -3.0445% | 6,246 |
| Retained earnings to average equity (ytd only) | -3.0445% | 5,940 |
| Net charge-offs to loans | 0.2766% | 4,315 |
| Credit loss provision to net charge-offs | 155.3571% | 3,077 |
| Earnings coverage of net charge-offs (x) | 0.3482% | 5,675 |
| Efficiency ratio | 97.1196% | 1,204 |
| Assets per employee ($millions) | 4.6677% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,250 |
| Loan loss allowance to noncurrent loans | 152.9412% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 2.0750% | 3,245 |
| Noncurrent loans to loans | 0.7697% | 5,764 |
| Net loans and leases to total assets | 86.8397% | 286 |
| Net loans and leases to deposits | 104.4717% | 740 |
| Net loans and leases to core deposits | 141.4527% | 856 |
| Total domestic deposits to total assets | 83.1227% | 4,167 |
| Equity capital to assets | 8.9322% | 5,591 |
| Core capital (leverage) ratio | 9.1992% | 4,342 |
| Tier 1 risk-based capital ratio | 10.2387% | 6,744 |
| Total risk-based capital ratio | 11.4508% | 6,719 |
| Memoranda: | ||
| Average total assets | $62,321,750 | 6,305 |
| Average earning assets | $58,563,750 | 6,234 |
| Average equity | $5,912,250 | 6,694 |
| Average total loans | $53,983,750 | 5,555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8870% | 2,649 |
| Cost of funding earning assets | 3.0025% | 473 |
| Net interest margin | 2.8846% | 6,834 |
| Noninterest income to average assets | 0.2055% | 6,822 |
| Noninterest expense to average assets | 2.8509% | 4,731 |
| Loan and lease loss provision to assets | 0.3131% | 4,066 |
| Net operating income to assets | -0.2446% | 6,255 |
| Return on assets (ROA) | -0.2446% | 6,269 |
| Pretax return on assets | -0.2446% | 6,173 |
| Return on Equity (ROE) | -2.5264% | 6,298 |
| Retained earnings to average equity (ytd only) | -2.5264% | 5,870 |
| Net charge-offs to loans | 0.1325% | 4,840 |
| Credit loss provision to net charge-offs | 274.2857% | 1,708 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 5,111 |
| Efficiency ratio | 97.6536% | 1,284 |
| Assets per employee ($millions) | 4.4433% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 4,560 |
| Loan loss allowance to noncurrent loans | 200.2967% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 2.1557% | 2,991 |
| Noncurrent loans to loans | 0.6276% | 5,992 |
| Net loans and leases to total assets | 85.2329% | 471 |
| Net loans and leases to deposits | 104.9278% | 835 |
| Net loans and leases to core deposits | 133.1625% | 1,363 |
| Total domestic deposits to total assets | 81.2301% | 4,986 |
| Equity capital to assets | 9.4798% | 4,638 |
| Core capital (leverage) ratio | 9.5648% | 3,794 |
| Tier 1 risk-based capital ratio | 11.1199% | 5,752 |
| Total risk-based capital ratio | 12.3701% | 5,668 |
| Memoranda: | ||
| Average total assets | $61,313,000 | 6,401 |
| Average earning assets | $57,686,000 | 6,329 |
| Average equity | $5,937,330 | 6,744 |
| Average total loans | $52,837,000 | 5,642 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 2,893 |
| Cost of funding earning assets | 3.0241% | 577 |
| Net interest margin | 2.8565% | 6,862 |
| Noninterest income to average assets | 0.1709% | 7,082 |
| Noninterest expense to average assets | 2.7010% | 5,002 |
| Loan and lease loss provision to assets | 0.3483% | 3,234 |
| Net operating income to assets | -0.1906% | 6,542 |
| Return on assets (ROA) | -0.1906% | 6,625 |
| Pretax return on assets | -0.1906% | 6,565 |
| Return on Equity (ROE) | -1.9471% | 6,651 |
| Retained earnings to average equity (ytd only) | -1.9471% | 6,094 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4828% | 1,406 |
| Assets per employee ($millions) | 4.4421% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,129 |
| Loan loss allowance to noncurrent loans | 125.8491% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.8428% | 3,155 |
| Noncurrent loans to loans | 1.0249% | 4,945 |
| Net loans and leases to total assets | 82.0788% | 1,004 |
| Net loans and leases to deposits | 101.8172% | 1,197 |
| Net loans and leases to core deposits | 127.0889% | 1,844 |
| Total domestic deposits to total assets | 80.6139% | 5,128 |
| Equity capital to assets | 9.5564% | 4,599 |
| Core capital (leverage) ratio | 9.9385% | 3,471 |
| Tier 1 risk-based capital ratio | 11.8583% | 5,075 |
| Total risk-based capital ratio | 13.1113% | 4,979 |
| Memoranda: | ||
| Average total assets | $60,866,500 | 6,442 |
| Average earning assets | $57,273,000 | 6,364 |
| Average equity | $5,957,500 | 6,782 |
| Average total loans | $52,408,000 | 5,699 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4726% | 3,104 |
| Cost of funding earning assets | 3.7869% | 210 |
| Net interest margin | 2.6857% | 7,521 |
| Noninterest income to average assets | 0.0483% | 7,898 |
| Noninterest expense to average assets | 2.8437% | 4,630 |
| Loan and lease loss provision to assets | 0.4347% | 3,119 |
| Net operating income to assets | -0.7708% | 7,120 |
| Return on assets (ROA) | -0.7708% | 7,021 |
| Pretax return on assets | -0.7708% | 6,865 |
| Return on Equity (ROE) | -7.5051% | 7,090 |
| Retained earnings to average equity (ytd only) | -7.5051% | 6,833 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4052% | 643 |
| Assets per employee ($millions) | 4.9620% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 4,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 3,156 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 88.1550% | 349 |
| Net loans and leases to deposits | 111.3537% | 745 |
| Net loans and leases to core deposits | 136.5602% | 1,459 |
| Total domestic deposits to total assets | 79.1667% | 5,313 |
| Equity capital to assets | 10.0296% | 4,001 |
| Core capital (leverage) ratio | 9.9633% | 3,479 |
| Tier 1 risk-based capital ratio | 11.8098% | 4,975 |
| Total risk-based capital ratio | 13.0537% | 4,891 |
| Memoranda: | ||
| Average total assets | $51,763,200 | 6,704 |
| Average earning assets | $47,399,800 | 6,693 |
| Average equity | $5,316,400 | 7,036 |
| Average total loans | $45,079,000 | 5,923 |